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ATTORNEY GENERAL HERRING ALLEGES ILLEGAL PREDATORY LOANS IN SUIT AGAINST ONE OF VIRGINIA’S LARGEST ONLINE LENDERS

GREENSVILLE/EMPORIA DEPARTMENT OF SOCIAL SERVICES

LOCAL BOARD MEETING

The Greensville/Emporia Department of Social Services Administrative Board will hold its regular meeting Thursday, December 20th, 2018, at 3:30 p.m. The meeting will be held at the Greensville/Emporia Department of Social Services located at 1748 East Atlantic Street.

Career Opportunity

Guidance Counselor

Brunswick Academy, a Pre-School through 12th grade independent school, seek an experienced Guidance Counselor certified in Guidance or related area for grades 8-12. Possession of a Master’s Degree in School Counseling, Guidance Counseling, or School Guidance and Counseling from an accredited college or university; possession of or eligible for a Virginia Department of Education professional teaching certificate with a guidance endorsement and at least 3 years experience in guidance or related field.

Job duties include but not limited to the following:

Provides academic, personal/social, and career counseling

Coordinates comprehensive school counseling program

Communicates with parents and agency representatives

Coordinates teacher and parent conferences as needed

Interprets test data and student records for parents and teachers

Scheduling of classes

Daily attendance

Engaged and on task

Performs other duties as required

Must have a thorough knowledge of the curriculum, instruction and counseling/guidance theory and practice

Communication skills, both oral and written, must be highly developed to meet the diverse needs of the clientele, professional staff and other community agencies

Must be able to organize and carry out student activity programs; or any equivalent combination of experience and training which would provide the required knowledge, skills, and abilities

Brunswick Academy is an equal opportunity employer and a drug free work place. Brunswick Academy does not discriminate on the basis of age, color, national origin, race, religion, or sex in employment or education. Applicants considered for employment must successfully complete the following background investigations/tests: • State Police Criminal History Investigation • Child Protective Services (CPS) Investigation • Tuberculosis Screening/Test. This position is open until filled.

~ AG Herring’s suit against Net Credit, one of the largest online lenders operating in Virginia, seeks restitution on behalf of affected consumers ~

RICHMOND, VA (May 4, 2018) - Attorney General Mark R. Herring announced today that his Predatory Lending Unit has filed a lawsuit against Net Credit, one of the largest online lenders operating in Virginia, for lending and collections practices that allegedly violate the Virginia Consumer Protection Act. The lawsuit alleges that Chicago-based Net Credit issued loans of $1,000 to $10,000 to more than 47,000 Virginia borrowers between 2012 and 2018 with interest rates from 34% to 155%. In one loan cited in the complaint, a Virginia borrower was responsible for more than $6,000 in repayments for just $2,000 borrowed.

“We’ve seen more and more Virginians turn to online lenders in a time of need only to find they’ve signed up for a debt trap that is going to cost them hundreds if not thousands of dollars in finance charges and interest,” said Attorney General Herring. “I believe we need stronger laws to protect Virginians from predatory loans, whether issued online or in-person, but until we get those, I’m going to make sure the laws we have are enforced and make sure that companies can’t come into our state and abuse financially vulnerable Virginians.”

Attorney General Herring’s complaint alleges that Net Credit operated without a license in Virginia and misled borrowers about its licensure status in Utah in an attempt to avoid interest rate caps when loaning money to Virginians. Unless a lender qualifies for an exception, Virginia law caps the interest rate on loans at 12% per year. Instead, Net Credit forced borrowers to repay loans at exorbitant rates that cost Virginia consumers thousands of dollars.

The Complaint also alleges that Net Credit tried to illegally collect money from borrowers who had filed for bankruptcy and were entitled to protection from collections activities. This conduct allegedly occurred in the form of automatic withdrawals from consumers’ bank accounts and collections emails while court-ordered bankruptcy stays were in effect.

The lawsuit has been filed in Fairfax County Circuit Court. Attorney General Herring is seeking restitution on behalf of consumers who were charged illegal interest, civil penalties, attorneys' fees, and a court order banning Net Credit from further violating the Virginia Consumer Protection Act.

The Commonwealth is represented in this matter by attorneys in Attorney General Herring’s first of its kind Predatory Lending Unit, which has recovered more than $22 million from online lenders including CashCall, MoneyKey, Mr. Amazing Loans, Opportunity Financial, and MoneyLion. Overall, Attorney General Herring’s Consumer Protection Section has recovered more than $243 million in relief for consumers and payments from violators.

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